Hicksville, OH · Cert 16370 · Empire Bancshares Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets operating regionally (n=99). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
10
Asset Quality
100
Profitability
17
Liquidity
26
Efficiency
21
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Hicksville, OH · Cert 16370 · Empire Bancshares Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
Market Position · Fort Wayne, IN · 2026 SOD (annual) · 0.3% share · #22 of 26 inst. · $0.0B of $11.1B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.32% | 0.38% | 0.49% | 0.56% | 0.60% | 0.70% | 0.56% | 0.59% | +3 bps | |
| Return on Equity | 4.17% | 5.10% | 6.84% | 7.69% | 8.01% | 9.09% | 6.77% | 7.16% | -53 bps | |
| Net Interest Margin | 2.63% | 2.53% | 2.91% | 2.98% | 3.05% | 3.06% | 3.08% | 3.15% | +17 bps | |
| Efficiency Ratio | 86.74% | 84.58% | 80.14% | 77.15% | 76.01% | 77.38% | 76.99% | 76.53% | -62 bps | |
| Non-Interest Burden | 2.24% | 2.09% | 2.28% | 2.24% | 2.25% | 2.30% | 2.31% | 2.35% | +11 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.17% | 13.27% | 13.18% | 10.70% | 4.65% | 3.21% | 5.31% | 4.04% | -666 bps | |
| Loan Growth (YoY) | 15.88% | 16.67% | 12.88% | 11.78% | 7.45% | 2.60% | 4.49% | 1.43% | -1,035 bps | |
| Deposit Growth (YoY) | 15.89% | 16.05% | 13.64% | 10.81% | 4.15% | 1.60% | 4.49% | 3.33% | -748 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.60% | 0.58% | 0.56% | 0.00% | 0.00% | 0.00% | -58 bps | |
| Net Charge-Offs / Loans | 0.00% | -0.04% | -0.12% | -0.06% | -0.04% | -0.23% | 0.00% | 0.00% | +6 bps | |
| Allowance / Loans | 0.87% | 0.85% | 0.91% | 0.93% | 0.93% | 0.92% | 0.96% | 1.00% | +7 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 1.5x | 1.6x | 1.7x | n/a | n/a | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.35% | 8.83% | 9.40% | 9.38% | 9.58% | 9.49% | 9.38% | 9.37% | -1 bps | |
| Total Risk-Based Capital | 9.35% | 8.83% | 9.40% | 9.38% | 9.58% | 9.49% | 9.38% | 9.37% | -1 bps | |
| Equity / Assets | 7.53% | 6.97% | 7.43% | 7.55% | 8.03% | 8.33% | 8.13% | 8.18% | +62 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 67.90% | 69.82% | 67.25% | 69.46% | 70.05% | 70.51% | 67.25% | 68.18% | -127 bps | |
| Liquid Assets / Assets | 6.08% | 5.54% | 8.60% | 6.36% | 5.38% | 6.01% | 9.01% | 7.09% | +73 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 212% | 207% | 196.27% | n/a | n/a | |
Hicksville, OH · Cert 16370 · Peer group: banks under $1B in assets operating regionally (n=99) · Empire Bancshares Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
Return on Assets
0.59%
Rank 81 of 99
Net Interest Margin
3.15%
Rank 87 of 99
Efficiency Ratio
76.53%
Rank 79 of 99
Equity / Assets
8.18%
Rank 83 of 99
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.59% | 0.82% | 1.19% | 1.48% | Beats 18% | 81 / 99 | ||
| Return on Equity | 7.22% | 7.92% | 11.87% | 14.08% | Beats 22% | 77 / 99 | ||
| Net Interest Margin | 3.15% | 3.44% | 3.80% | 4.18% | Beats 12% | 87 / 99 | ||
| Efficiency Ratio | 76.53% | 55.83% | 62.41% | 73.02% | Beats 21% | 79 / 99 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.19% | 0.46% | 1.04% | Beats 100% | 6 / 99 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.02% | 0.06% | Beats 100% | 12 / 99 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.37% | 10.28% | 11.95% | 14.75% | Beats 7% | 92 / 99 | ||
| Total Risk-Based Capital Ratio | 9.37% | 10.45% | 12.59% | 15.64% | Beats 7% | 92 / 99 | ||
| Equity / Assets | 8.18% | 8.89% | 10.14% | 11.36% | Beats 16% | 83 / 99 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 68.18% | 74.57% | 84.03% | 94.55% | 13th pctl | 86 / 99 | ||
| Loans / Assets | 61.29% | 62.55% | 71.25% | 78.99% | 19th pctl | 80 / 99 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||